Research Paper on Educational Loan Scheme of Scheduled Commercial Banks in India

Title: - learningal activity add scheme features & deficiencies-policy option and strategies. defraud Education loans form a part of the priority orbit advances of the frequent Sector Banks and most of the tuitional loans are interpreted for pursue high(prenominal) education courses. In the knowledge era, high education has gained significance all across the world. Like other underdevelop nations, India also faced financial crunch in the early nineties and high education suffered in terms of allocations. And in the pursuit of raising access ratio in higher education, private institutions entered the field and there has been steep rise in user charges in most-sought-after professional courses like engineering and delicacy in India in the post-reforms period. In the light of the facts that scholarships going to higher education prevail declined, in real terms, and it is a fomite of upward mobility, the education loan scheme comes in to centerfield in order t o raise access ratio in higher education. This paper is a humble attempt to cruise its growth & performance during the period 2004-10 by dint of a baptismal font study of scheduled mercenary banks in Chandigarh (2007); to hire deficiencies in the scheme and suggest some policy options in this regard.

The important conclusion of the study is that the scheme is run purely on mercenary basis and does not offer whatever cushioned options for the meritorious and the needy. METHODOLOGY The methodology has been discussed below: seek DESIGN A postdate has been conducted on the educational loan scheme run through the commercial banks of India in the twelvemonth 2007. The r esults have been presented using pct method,! tables and pie-diagrams. SAMPLE DESIGN A survey has been conducted on the commercial banks in the Union filth of Chandigarh. For studying the socio-economic characteristics of the loanees, office records of the commercial banks located in Chandigarh have been studied during the period 2002-2007. study AREA For carrying out...If you want to sterilize a full essay, order it on our website: OrderEssay.net

If you want to get a full information about our service, visit our page: write my essay